Research On The Investment And Financing Behavior Between Urban And Rural Residents In Jingmen City From The Perspective Of Financial Security

In recent years,with the continuous development of economic globalization,people's income is also increasing year by year,which to a certain extent improves people's awareness of financial management,and the related business of investment and financial management has witnessed rapid growth.However,a large number of research data show that due to lack of experience and many other reasons,urban and rural residents have many problems,such as lack of planning,low financial quotient index,single financial management methods and so on.Therefore,in order to make the plan formulated by urban and rural residents in the process of financial management sufficiently reasonable,also to prevent investment risks,and to protect the property income of residents,this paper conducts a series of studies on the investment and financial management behavior between urban and rural residents.After explaining the theories of financial security,public management,theory of demand hierarchy,portfolio theory and life cycle theory,this paper studies Jingmen City on the basis of this theory,and draws the main characteristics of its financial management which are different from those of other areas,and takes the existing influencing factors as indicators to study Jingmen City and other areas.The differences and similarities are analyzed and studied.Firstly,the article analyses the current situation and problems of residents' investment and financial management;secondly,it investigates and analyses the investment and financial management behavior between urban and rural residents in Jingmen city through questionnaire survey;secondly,it analyses the influencing factors of the investment and financial management behavior between urban and rural residents in Jingmen city,and confirms the shadow through empirical analysis.The key factors of the investment and financial management behavior between urban and rural residents in Jingmen City are analyzed.Finally,a series of suggestions are put forward to improve the financial management level of urban and rural residents from the perspective of public management.Through the research,it is found that there are the following commonalities in the investment and financial management behavior of urban and rural residents: firstly,the awareness of urban and rural residents on investment and financial management is generally not high;secondly,the satisfaction of urban and rural residents on personal financial management business and financial returns needs to be improved,and the risk tolerance of investment and financial management is weak;thirdly,from the current financial management situation.It can be seen from the analysis that the financial planning and choice of urban and rural residents are different because of the influence of many factors,such as personal cognition,marital status,training status,education level,age and so on.Among them,these differences are mainly reflected in the following aspects: first,when choosing financial products,different residents have different ideas;second,urban and rural residents' investment and financial planning often have a greater connection with the family's economic status,such as education expenditure,medical expenditure and so on,which are the main factors affecting the choice.For urban residents,the income level can't be ignored,while for rural residents,it is the average annual household income.In the research process of this paper,it mainly analyzes from the perspective of public management,and puts forward relevant suggestions on the current situation of residents' financial management,which are as follows: the government helps residents to organize financial knowledge publicity,the government takes the lead in building the public financial safety education system,the government assists in the safety maintenance of financial market,and the government helps to improve the construction of financial laws and regulations.